I have bought into Silesia Apartments in Gliwice, for which 75% payment is due by the end of this month. We applied for a mortgage for this (and one for Pelikan Court) at the same time, though in two separate applications with Noble Bank. We were told both mortgages were approved within the 85% LTV. However, recently been told they can't disburse the fund for Silesia until we pay 'low down payment' of c. 1700 zloty, which was explained as 'insurance' of 3.875% (or thereabouts)of the loan value as the loan is under 75% LTV (sic). We were also pressed to pay for the outstanding balance for Pelikan Court (between loan amount and 90% value) but the handover date for this development is not until Dec this year. We can't work out why this is. No answers to our questions either from TGC or Noble Bank. We haven't been forwarded copy of loan agreements nor bank account opening either. Any of you have similar problems to this? We'd be most grateful to hear your advice as to how you make sense of this (if at all). Warm Regards, John